Florin
Florin is an independent insurance brokerage that helps small businesses compare quotes from multiple carriers, with licensed agents reviewing every application. The platform offers industry-specific coverage guides, including product liability and inland marine for tools and equipment, along with published cost benchmarks to help business owners understand what similar companies pay.
- Insurance Technology
Funding
Founders
Founder details are not available yet.
Product
Problem
Small business owners often struggle to understand which insurance policies they actually need and whether they are paying a fair price. Comparing options across multiple carriers is time-consuming, and coverage details—such as product liability, inland marine, or commercial auto—vary significantly by industry and business type.
Solution
Florin simplifies small-business insurance by gathering quotes from several insurers and having a licensed agent compare them on the customer's behalf. The platform provides industry-specific coverage guides—such as product liability for manufacturers, retailers, and online sellers, and inland marine for tools and equipment—so business owners can match policies to their actual operational risks. Florin also publishes transparent cost benchmarks, like median monthly premiums for e-commerce sellers and daycare providers, to set accurate expectations before purchase. The service is offered at no cost and with no obligation to buy, and every application is reviewed by a licensed agent.
Target Audience
Primary customers are small business owners—including manufacturers, retailers, wholesalers, crafters, online sellers, daycare operators, and commercial vehicle operators—who need help comparing and purchasing appropriate insurance coverage.
Features
- Independent brokerage comparing quotes from multiple insurers for each application
- Licensed agents review every application, with no cost and no obligation to buy
- Industry-specific coverage guides for product liability, inland marine, commercial auto, and more
- Published cost benchmarks by business type, such as $45/month median for general liability with product coverage and $46/month for Amazon sellers
- Detailed educational content on coverage requirements, including marketplace thresholds (e.g., Amazon's $1 million liability requirement above $10,000 monthly sales) and state licensing rules
- Commercial auto intake covering business cars, delivery, trucking, passenger transport, towing, and hired/non-owned vehicles